We use this step to assess the wealth skills, knowledge and perspective you and your family will need, both now and in the days to come. Basic financial literacy skills are rarely taught in schools and most people learn about money the hard way (ie, by making foolish mistakes), which can result in much anguish and the loss of significant family wealth. We seek to help each family create an appropriate learning and human development process to ensure that the rising generation will be self-sufficient and good stewards of wealth.